Baraboo State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Baraboo State Bank of Baraboo, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.25% | -0.09% | 42nd below |
| ROAE | 10.12% | 13.17% | -3.05% | 36th below |
| Net Interest Margin | 3.56% | 3.95% | -0.39% | 29th below |
| Efficiency Ratio | 62.27% | 61.50% | +0.77% | 47th below |
| PPNR / Avg Assets | 1.48% | — | — | 42nd below |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 28th below |
| Cost of Funds | 1.73% | 1.87% | -0.14% | 54th above |
| Net Interest Spread | 2.96% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.93% | -0.92% | 84th top |
| NPA / Total Assets | 0.00% | — | — | 86th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.82% | — | — | 90th top |
| ACL / NPLs (Coverage) | 20377.78% | — | — | — |
| Texas Ratio | 0.04% | 6.06% | -6.02% | 87th top |
| Provision / NCO | 1800.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.66% | 17.18% | +2.48% | 76th top |
| Tier 1 Ratio | 19.66% | 17.21% | +2.45% | 76th top |
| Total Capital Ratio | 20.91% | — | — | 76th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.70% | 11.75% | -0.05% | 61st above |
| Equity / Assets | 11.56% | 10.98% | +0.58% | 66th above |
| TCE / Tangible Assets | 11.56% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.65% | 80.44% | -18.79% | 82nd top |
| Core Deposit Ratio | 94.38% | 86.95% | +7.43% | 81st top |
| Wholesale Funding Ratio | 1.54% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.69% | — | — | 59th above |
| Loan Growth (Y/Y) | 10.99% | — | — | 76th top |
| Deposit Growth (Y/Y) | 5.57% | — | — | 60th above |
See Baraboo State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Baraboo State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Baraboo State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Baraboo State Bank peer analysis.